Last updated: 5/26/2022

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Southwest Rapid Rewards® Plus Credit Card

Earns: Southwest Rapid Rewards

GigaTake:

A fine—but not fantastic—card if you fly Southwest a lot. You may be better off getting a Chase Sapphire Preferred, which has a similar annual fee but earns more bonus points, which you can instantly transfer to Southwest or a dozen other programs.

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Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Southwest Rapid Rewards
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • Offers 3,000 anniversary points each year.

Cons

  • $69 annual fee.
  • Other cards earn points faster, and can be transferred to Southwest.

See how the Southwest Rapid Rewards® Plus Credit Card compares to other credit cards

Southwest Rapid Rewards® Plus Credit Card Other Cards


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Reward Rate = 2x

Value = 1.3 cents per point
Effective Value = 2.6 %

0%
4%

Reward Rate = 2x

Value = 1.3 cents per point
Effective Value = 2.6 %

0%
5%

Reward Rate = 2x

Value = 1.3 cents per point
Effective Value = 2.6 %

0%
5%

Reward Rate = 1x

Value = 1.3 cents per point
Effective Value = 1.3 %

0%
3%

Welcome Bonus = 75,000

Value = 1.3 cents per point
Effective Value = $975

$0
$1700

Annual Fee = $69

$0
$995
Welcome Bonus
75,000

Very Good

Bonus Rating

Points

After you spend $5,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2x Local Transit and Commuting

Excellent

excellent

Excellent

In the top 15% of cards.

2x Internet

Excellent

excellent

Excellent

In the top 15% of cards.

2x Cable

Excellent

excellent

Excellent

In the top 15% of cards.

2x Phone

Excellent

excellent

Excellent

In the top 15% of cards.

2x Streaming Services

Excellent

excellent

Excellent

In the top 15% of cards.

2x Southwest Airlines

Excellent

excellent

Excellent

In the top 15% of cards.

1x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Southwest Rapid Rewards
Gigapoints Value
1.3¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Other Card Information

Limited-time offer: earn Companion Pass(R) through 2/28/23 plus 30,000 points after you spend $5,000 on purchases in the first 3 months. With Companion Pass(R), every time you fly, your friend can too.

Annual Fee
  • $69
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

3,000 anniversary points each year

Receive 3,000 bonus points after your Cardmember anniversary.

2 EarlyBird Check-Ins

Earn 2 EarlyBird Check-In(R) each year

The Fine Print

PURCHASES APR 16.74% – 23.74%
BALANCE TRANSFER FEE Either $5 or 5% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.74% Variable
CASH ADVANCE FEE Either $10 or 5% of the amount of each transaction, whichever is greater.
FOREIGN TRANSACTION FEE 3%